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Rakuten American Express® Card
Rakuten

Rakuten American Express® Card

A no-annual-fee transferable-points card from Rakuten.

Transfers via Amex MR
Annual fee
No annual fee
Welcome bonus
$100 Cash Back
Min spend
$1,000 in 3 months
Recommended credit
Good (670+)
Network
Amex
Foreign transaction fee
None
Apply on Rakuten site7.8/10Our rating · review ›

Rates, fees, and full terms are set by Rakuten and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified August 15, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and groceries and want travel rewards they can grow.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

Extra 4% cash back on Rakuten purchases (up to $10,000/yr, then 1%), on top of the regular Rakuten Cash Back you already earn
10% cash back on Rakuten Dining at 22,000+ partner restaurants (5% member rate plus 5% from the card)
2% cash back on groceries and restaurants
1% cash back on all other purchases
Convert rewards to American Express Membership Rewards points and transfer to 20+ airline and hotel partners

Best ways to earn & redeem

Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee
No foreign transaction fees
Backed by the American Express network, with access to Amex Offers and Experiences

Alternatives to the Rakuten American Express® Card

Pairs well with

The Rakuten American Express® Card earns Membership Rewards but cannot transfer on its own. Pair it with an American Express transfer hub to unlock airline and hotel transfers.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Rakuten American Express® Card lands.

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